Edelweiss Arogya Sanjeevani Policy

Everyone is aware of the fact that all their savings will wash away if they are going through a medical emergency but still they don’t buy a health insurance plan. So, it is not too late because you can buy a plan for yourself at an affordable rate of premium. The name of this plan is Edelweiss Arogya Sanjeevani Policy that covers your family members as well under the same plan. On the other hand, there are various options to choose the sum assured. You will get extra discounts on premium if you add more members to the insurance plan. So, let’s explore the main features of this plan and see the risks that are covered.

Salient Features of Arogya Sanjeevani Plan

1. Cover your loved ones under the same health insurance plan.
2. No medical check-up is needed until the age of 50 years.
3. Get additional discounts if you add more members to this plan.
4. The company will reimburse the expenses related to the AYUSH Treatment.
5. Enjoy a cashless facility at the network hospitals of Edelweiss.
6. Get tax deductions under section 80D of the Income Tax Act.
7. This plan allows you to cover a dependent child of just 90 days.

Benefits of Edelweiss Arogya Sanjeevani Plan

There are some key benefits of this health insurance plan. All these benefits will amaze you and you will get to know the importance of this health plan.

Hospitalization Cover

Bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees are covered in this plan if you are hospitalized. You can see them below:-

1. Room’s Rent reimbursement is 2% of the Sum Assured of up to Rs.5000.
2. ICU’s Rent reimbursement is 5% of the Sum Assured of up to Rs.10000.

Pre and Post-Hospitalization Cover

The pre-hospitalization expenses prior to 30 days to hospitalization will be reimbursed by the company and the Post-hospitalization expenses until 60 days are also covered in this
insurance plan.

Cataract Expenses Cover

If the insured is going through the treatment of Cataract Illness then those expenses will also be reimbursed. The reimbursement cataract risk will be the lowest of the following:-

1. 25% of the Sum Assured
2. Rs.40000

Day Care Treatment Risk

If in case you get a treatment of the disease within 24 hours and you are not hospitalized then those expenses will also be covered in this insurance plan. The first aid received within 24 hours without being hospitalized to the hospital is known as the day care treatment.

Dental Treatment and Plastic Surgery Expenses

If the Dental Treatment and Plastic Surgery are needed due to any other disease then those expenses will be borne by the company under this insurance plan. The insured will get reimbursement for all the expenses incurred in the Dental Treatment and Plastic Surgery.

AYUSH Treatment

All the expenses related to the AYUSH Treatment are covered in this Policy. AYUSH treatment is known as the Ayurveda, Unani, Siddha, and Homeopathy treatments. So, all the expenses incurred for these treatments are covered in this plan.

Other Diseases Coverage

1. You will receive 50% of the Sum Assured if you are going through any treatment mentioned below:-Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)
2. Balloon Sinoplasty
3. Deep Brain Stimulation
4. Oral Chemotherapy
5. Immunotherapy – Monoclonal antibody to be given as an injection
6. Intravitreal injections
7. Robotic Surgeries
8. Stereotactic radio surgeries
9. Bronchial Thermoplasty
10. Vaporisation of Prostrate (Green Laser treatment of Holmium laser treatment)
11. IONM – (Intra Operative Neuro Monitoring)
12. Stem Cell Therapy

Ambulance Cover

The ambulance helps in carrying the patient from one place to another. So, this plan will cover the ambulance expenses are covered and it will be a maximum of Rs.2000 per hospitalization.

Cover your Family

This plan can cover your entire family so that you can give protection to all of them. You can see the members whom you can add to the Edelweiss Arogya Sanjeevani Policy.

1. Spouse
2. Children
3. Parents
4. In-laws

No Claim Bonus Benefit

The company will add 5% of the sum assured to the sum assured if you don’t make any claim in a year. The company will keep on adding the no claim bonus until and unless it reaches 50% of the sum assured. But it will be only added if you don’t make any claim in a year.

Eligibility Criteria of Edelweiss Arogya Sanjeevani Policy

Waiting Period of this Health Plan

There are two types of waiting periods and they are for 2 years and 4 years.

Waiting Period of 2 Years

1. Internal Congenital Anomalies
2. Varicose Veins and Varicose Ulcers
3. Calculi in the urinary system, Gall Bladder, and Bile duct, excluding malignancy
4. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
5. Pilonidal sinus, Sinusitis, and related disorders
6. Piles, Fissures and Fistula in anus
7. Non-Infective Arthritis
8. Hydrocele
9. Hernia of all types
10. Gout and Rheumatism
11. Gastric/ Duodenal Ulcer
12. Cataract and age-related eye ailments
13. Benign prostate hypertrophy
14. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
15. Hysterectomy
16. Tympanoplasty
17. Mastoidectomy
18. Adenoidectomy
19. Benign ENT disorders
20. Tonsillectomy

Waiting Period of 4 Years

1. Treatment for joint replacement unless arising from an accident
2. Age-related Osteoarthritis & Osteoporosis